Sunday, January 4, 2009

Health insurance

Health insurance?
My current health insurance will be ending at the end of Feburary. I've been trying to find health insurance that will start coverage on the 1st of March. I have a pre-existing condition, and I'm currently on medication.

Plus, I've had an operation within the last 12 months. Every quote I get is more than 200 dollars per month and I just can't afford that. I am struggling and don't know what to do. Does anybody have any suggestions for me?
Other - General Health Care - 4 Answers
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1 :
Do you qualify for medical assistance in your state? You can also look into Charity Care from your local hospital if you are low income.
2 :
Hi Kristy, Have you talked to an agent? It sounds like you have already got some quotes. I would suggest talking your specific situation over with a local agent and if the private companies don't work out, they should be able to direct you to some state programs such as medicaid. I hope that helps. Good luck! To connect with a local agent, you can fill out the form here: http://www.insureme.com/landing.aspx?Refby=620030&Type=health Jared Balis http://www.utahinsurance.org
3 :
If the quotes health insurance companies are not affordable for you, you may have to start looking into alternatives. You must ask yourself why do you want insurance in the first place? It is normal to have waiting periods for pre-existing conditions, even if you can afford insurance. An affordable alternative that will help you with your dr's visits and hospital costs if necessary is MySimpleCard. You may want to sign up for it for two reasons - #1 get some help while you are searching for insurance. #2 combine it with insurance and save on monthly premium. Email me if you have questions.
4 :
How about insurance thru your state. We have Mass Health here and it goes by your income. At one point I paid nothing then when I got my job I had to . Maybe Medicare? Plus with all the laws that passed regarding health insurance they have plenty of plans that go by your income. Keyword search Connector plan for (your state) Thats what they call them in MA, Connector plans. Also in order for you to start new coverage outside of open enrollment (the first of the year) then you need the termination letter that your benefits from the first carrier have been terminated and that you are no longer covered to present to the new carrier. Your health has nothing to do with whether a carrier will insure your or not as that is discrimination. I work for a carrier and I was taught when I first started about what discrimination is in the health insurance industry and I think... Dont quote me but I believe they cannot charge you a lump sum for insurance because you have medical issues. You should do some research regarding that. I dont even think you need to state anything regarding your health to them. Theres alot to know but I learned it sooo long ago that I forget. Check it out online.

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